Lynchburg Neighborhood Investment Fund (LNIF) is a non-profit housing loan fund serving urban and suburban communities in Lynchburg and Central Virginia. LNIF provides loans and investment opportunities to low-income persons and underserved communities for the purpose of improving their quality of life. LNIF proposes to provide first and second mortgages, owner-occupied home repair loans, construction loans, pre- and post-purchase housing counseling and technical assistance to nonprofit organizations and community-based organizations.